Legal claims defining the scope of protection. Each claim is shown in both the original legal language and a plain English translation.
1. A non-transitory computer-readable medium having a computer program stored thereon for facilitating a money transfer involving a first user and a second user, the computer program comprising instructions for causing one or more processors to: provide a money transfer application on a first user interface of a first computing device associated with the first user, the first user being associated with a first user profile, wherein the first user profile comprises one or more first money transfer preferences; receive a selection of a second user profile via the first user interface, the second user profile being associated with the second user, wherein the second user profile includes one or more second money transfer preferences, and wherein the second user profile was created in response to the first computing device directing a server to send a link to a second computing device associated with the second user; receive a value designation via the first user interface; and stage a money transfer between the first user and the second user based on the one or more first money transfer preferences, the one or more second money transfer preferences, or both.
2. The non-transitory computer-readable medium of claim 1 , the computer program comprising instructions for causing one or more processors to create an associated between the first user profile and the second user profile.
3. The non-transitory computer-readable medium of claim 2 , wherein the association between the first user profile and the second user profile is a permanent association.
4. The non-transitory computer-readable medium of claim 1 , wherein the one or more first money transfer preferences, the one or more second money transfer preferences, or both comprise at least one selected from the group of: a preferred money send mode, a preferred money receive mode, a minimum amount for a money transfer, a limit on the amount of a money transfer, and a currency preference.
This invention relates to digital money transfer systems, specifically improving user control over money transfer preferences. The problem addressed is the lack of flexibility in existing systems, which often force users into rigid transfer modes or limits without customization options. The invention provides a non-transitory computer-readable medium storing instructions for managing money transfer preferences. These preferences include at least one of a preferred send mode (e.g., instant, scheduled, or peer-to-peer), a preferred receive mode (e.g., direct deposit, cash pickup, or digital wallet), a minimum transfer amount, a maximum transfer limit, or a currency preference. The system allows users to set these preferences individually or in combination, enabling personalized control over transactions. For example, a user may specify a minimum transfer amount of $10 and a preferred receive mode of direct deposit, ensuring transfers meet their requirements. The invention enhances user experience by reducing errors and improving transaction efficiency through customizable settings. The system may also validate preferences against regulatory or platform-specific constraints before applying them. This approach ensures users have fine-grained control over their money transfers while maintaining system compliance.
5. The non-transitory computer-readable medium of claim 4 , wherein the preferred money send mode, the preferred money receive mode, or both comprise multiple modes.
6. The non-transitory computer-readable medium of claim 5 , wherein the multiple modes are ranked in order of preference.
7. The non-transitory computer-readable medium of claim 1 , the computer program comprising instructions for causing one or more processors to: receive one or more first money transfer preferences from the first user via the user interface; and creating a first profile for the first user based on the one or more first money transfer preferences.
8. A computing device for facilitating a money transfer involving a first user and a second user, the computer device comprising a processing device configured to: provide a money transfer application on a user interface of the computing device associated with the second user, the second user being associated with a second user profile, wherein the second user profile comprises one or more second money transfer preferences, and wherein the second user profile was created in response to another computing device directing a server to send a link to the computing device; provide a notification via the money transfer application on the user interface a first user profile associated with the first user has initiated a money transfer, the money transfer comprising a value designation, wherein the first user profile comprises one or more first money transfer preferences; receive a confirmation via the user interface to accept the money transfer; and stage a money transfer between the first user and the second user based on the one or more first money transfer preferences, the one or more second money transfer preferences, or both.
9. The computing device of claim 8 , wherein the processing device is further configured to create an associated between the first user profile and the second user profile.
10. The computing device of claim 9 , wherein the association between the first user profile and the second user profile is a permanent association.
This invention relates to computing devices that manage user profiles and their associations. The problem addressed is the need for a computing device to establish and maintain relationships between user profiles in a way that ensures persistence and reliability. The invention involves a computing device configured to store and process user profiles, where a first user profile is permanently linked to a second user profile. This permanent association ensures that the relationship between the profiles remains unchanged over time, preventing accidental or unauthorized disassociation. The computing device includes a processor and memory storing instructions that, when executed, cause the device to create and enforce this permanent link. The device may also include a display for user interaction and a network interface for communicating with other systems. The permanent association is distinct from temporary or conditional links, providing a stable and secure relationship between the profiles. This feature is particularly useful in applications where user relationships must remain consistent, such as in social networks, access control systems, or collaborative platforms. The invention ensures that once the association is established, it cannot be altered or removed without explicit authorization, enhancing data integrity and user trust.
11. The computing device of claim 8 , wherein the one or more first money transfer preferences, the one or more second money transfer preferences, or both comprise at least one selected from the group of: a preferred money send mode, a preferred money receive mode, a minimum amount for a money transfer, a limit on the amount of a money transfer, and a currency preference.
This invention relates to computing devices configured to manage money transfer preferences for users. The system addresses the problem of inefficient and inflexible money transfer processes by allowing users to define and apply specific preferences for sending and receiving funds. The computing device includes a processor and memory storing instructions that, when executed, enable the device to store and apply user-defined money transfer preferences. These preferences can include a preferred mode for sending or receiving money, such as digital wallets, bank transfers, or peer-to-peer platforms. Users can also set minimum or maximum transfer amounts, as well as currency preferences to ensure transactions align with their financial needs. The system dynamically applies these preferences during money transfers, ensuring transactions comply with user-defined rules. This enhances user control, reduces errors, and improves the efficiency of financial transactions. The invention is particularly useful in digital payment systems, banking applications, and peer-to-peer money transfer platforms where customization and automation of financial preferences are critical.
12. The computing device of claim 11 , wherein the preferred money send mode, the preferred money receive mode, or both comprise multiple modes.
A computing device is configured to facilitate financial transactions, particularly money transfers, by dynamically selecting preferred modes for sending and receiving money based on user preferences, transaction conditions, or other contextual factors. The device includes a transaction processor that evaluates available transaction modes, such as payment networks, digital wallets, or bank transfers, and determines the most suitable mode for a given transaction. The selection process may consider factors like transaction speed, cost, security, or user history. The device also allows users to set or modify their preferred modes for sending and receiving money, which can be stored in a user profile. In some cases, multiple modes may be preferred for a single transaction, allowing the device to prioritize or alternate between them based on real-time conditions. This system enhances flexibility and efficiency in financial transactions by adapting to user needs and transaction requirements.
13. The computing device of claim 12 , wherein the multiple modes are ranked in order of preference.
14. The computing device of claim 13 , wherein the processing device is further configured to: receive one or more first money transfer preferences from the first user via the user interface; and creating a first profile for the first user based on the one or more first money transfer preferences.
15. A computing device for facilitating a money transfer involving a first user and a second user, the computer device comprising a processing device configured to: provide a money transfer application on a user interface of the computing device associated with the second user; receive a link from a server to create a profile, wherein the link is sent in response to a first computing device associated with the first user directing the server to send the link; receive one or more money transfer preferences via the user interface; and create a profile for the second user based on the one or more money transfer preferences, wherein money transfers for the second user are based on the one or more money transfer preferences.
This invention relates to a computing device that facilitates money transfers between a first user and a second user. The system addresses the need for a streamlined process where the second user can easily set up a profile to receive money transfers based on predefined preferences. The computing device provides a money transfer application on a user interface for the second user. The second user receives a link from a server to create a profile, which is sent in response to the first user directing the server to initiate the process. The second user then inputs money transfer preferences, such as payment methods, transfer limits, or notification settings, through the user interface. The computing device processes these preferences and creates a profile for the second user, ensuring that future money transfers are automatically configured according to the specified preferences. This system simplifies the setup process for recipients, reducing manual input and ensuring consistent transfer settings. The invention enhances user experience by automating profile creation and applying predefined preferences to subsequent transactions.
16. The computing device of claim 15 , the processing device being further configured to: create an association between the profile and another user profile.
17. The computing device of claim 16 , wherein the association between the first user profile and the second user profile is a permanent association.
This invention relates to computing devices that manage user profiles and their associations. The problem addressed is the need for a computing device to establish and maintain relationships between user profiles in a way that ensures the association remains permanent. The computing device includes a processor and memory storing instructions that, when executed, cause the device to perform operations. These operations include creating a first user profile and a second user profile, where each profile contains user-specific data. The device then establishes an association between the two profiles, ensuring that this association cannot be altered or removed once created. The permanent nature of the association means that the relationship between the profiles remains intact regardless of subsequent actions, such as modifications to the profiles or system updates. This ensures data integrity and consistency in applications where user relationships must be preserved indefinitely, such as in legal, financial, or regulatory systems. The computing device may also include additional features, such as user authentication mechanisms to verify access rights before allowing profile creation or association. The permanent association ensures that the relationship between the profiles is immutable, preventing unauthorized changes and maintaining the intended connection between the users.
18. The computing device of claim 15 , wherein the one or more money transfer preferences comprise at least one selected from the group of: a preferred money send mode, a preferred money receive mode, a minimum amount for a money transfer, a limit on the amount of a money transfer, and a currency preference.
19. The computing device of claim 18 , wherein the preferred money send mode, the preferred money receive mode, or both comprise multiple modes.
20. The computing device of claim 12 , wherein the multiple modes are ranked in order of preference.
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February 2, 2021
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